Need assistance on understanding how to select and use formula to provide the best result for the client Q. One of your clients has just realized that her own-occupation disability policy has a Social Security benefits integration clause, meaning that her policy will have a dollar-for-dollar reduction in benefits paid if she qualifies for Social Security disability. According to her most recent Social Security benefits statement, she would be eligible for $ 1,325 per month for a permanent and total disability. How much would her disability policy pay as a monthly benefit under the following circumstances if her current annual salary is $ 62,000, her policy pays 70% of gross, and she pays for the policy with after-tax dollars? a. Her disability meets the definition for her policy, but it doesnt meet the Social Security definition. b. Her disability meets the definition for her policy and also meets the Social Security definition. c. How much would her total combined monthly disability benefits equal if she meets both definitions of disability and her policy does not have a benefits integration clause? Why could this be problematic? In other words, why might this create a moral hazard?